CEFCU Checking bonus: is $250 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $25 for 90 days, the tier that adds the most.
Yearly rate on $25 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$250$25Best for you$250 bonus · 90 days
- +$25$0$25 bonus · 1 day
The math
Compared with leaving $25 at 4.15%
Within the first full calendar month after opening, satisfy one of · Open new first-time checking with $25+ deposit; enroll in eStatements before end of…. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Within the first full calendar month after opening, satisfy one of
- 2Open new first-time checking with $25+ deposit; enroll in eStatements before end of…
- Ends
- Dec 31, 2026
- Where
- California
- Monthly fee
- None
- Cash stays
- About 90 days
- Bonus paid
- Usually within 42 days of finishing
- Credit check
- A ChexSystems inquiry (not your credit score)
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the CEFCU Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $25 tier adds +$250: the $250 bonus, minus the $0 that cash would have earned in 90 days. The $25 tier, with no cash parked, adds +$25. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Within the first full calendar month after opening, satisfy one of; open new first-time checking with $25+ deposit; enroll in eStatements before end of…. Open to residents of California.
When does it end?
The offer ends Dec 31, 2026. The terms were last checked Oct 9, 2026.