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If you are looking for an everyday Checking Account that actually puts your money to work, Granite Credit Union offers a premium solution right here in your neighborhood. Most traditional banks offer Checking Accounts that do little more than hold your funds. We believe your everyday balance should generate real wealth.
Our Dividend+ Spend Account is designed for Clearfield residents who want the maximum earning power of a high-yield account without sacrificing the flexibility of daily spending.
Your Checking Account is the hub of your financial life. The Dividend+ Spend Account transforms that hub into an earning asset. When you maintain a balance of $5,000 or more, you automatically start earning tiered daily dividends on your liquid funds.
More importantly, you get high-yield growth without sacrificing the convenience you expect from a modern Checking Account. You enjoy:
Zero monthly maintenance fees.
Complete liquidity to pay bills, transfer funds, or withdraw cash.
Seamless access through a Visa® debit card, Zelle® integration, and a massive network of surcharge-free ATMs nationwide.
What truly sets Dividend+ apart from other high-yield checking options in Utah is our exclusive account synergy. We don't just pay you on your checking balance; we reward your entire financial ecosystem.
When you pair your Dividend+ Spend Account with a Granite Money Market Account, you unlock a Bonus Dividend Rate. By simply holding the Dividend+ Account, your savings reserve in the Money Market Account gets a significant boost—allowing you to earn top-of-market returns (check our current rates for the latest APY details). It is the perfect strategy to maximize your total earning power across both your everyday spending money and your emergency savings.
Many financial institutions advertise high-yield checking, but bury the qualifications in the fine print. They often force you to micromanage your spending by mandating 15 to 20 debit card swipes every single month just to earn your rate.
At Granite Credit Union, we respect your time and your spending habits. Our qualifications are straightforward and automatically meet.
Set up a minimum $500 monthly Direct Deposit.
Maintain an active Debit Card on file.
Enroll in Online Statements.
No monthly service fees.
No minimum balance to open the account.
No minimum balance to keep the account open (Note: a $5,000 balance is required to start earning the dividend).
We recognize that everyone's financial situation is different. If Dividend+ isn't the perfect fit right now, we offer other excellent options to serve your daily banking needs.
| Account Type | Best For | Key Feature |
|---|---|---|
| Dividend+ Spend | Maximizing returns and savings | Earns dividends & unlocks Money Market bonus rates |
| Basic Spend | Traditional daily banking | Full features with Courtesy Pay coverage |
| Simple Spend | Students or building credit | No overdraft risk and simple management |
Ready to upgrade your checking experience and start earning daily dividends? Joining the Granite Credit Union family is simple, fast, and entirely online.
Take the first step toward better banking by applying to become a member and opening your Dividend+ Spend Account today. If you prefer to set up your account in person or have questions about transferring your funds, we would love to see you. Visit our Clearfield branch or contact us to speak directly with our local member service team.
