The USA Patriot Act has paved the way for financial institutions to help prevent fraud, identity theft and the spread of terrorism. It requires financial institutions to obtain, verify and record information that identifies each person who opens any financial transaction account(s) including deposits, loans and safe deposit boxes. When opening a new account, you may be asked more questions to confirm your identity.
You will need the following information in order to complete the application:
Drivers license or another government-issued ID with current address
Your complete physical and mailing address
Social Security number
Date of birth
Note: If you currently have a freeze placed on your credit report, your application cannot be processed online. The credit freeze will need to be removed before the application is submitted.
Select your eligibility
I am an employee, member or volunteer of one of the following organizations
I live, work, worship or attend school in Credit Human's service area. View map for more detail.
I am a veteran, a retiree, an active duty member or a dependent of a member of the U.S. Armed Forces or National Guard
I study at the following trade school, college or university
I am related to or live with a Credit Human member
None of the above membership categories apply to me. Please enroll me in the American Consumer Council (ACC) so I may open an account with Credit Human. I understand that the ACC provides consumer education to its members and that once I am a member of the ACC I am eligible for Credit Human membership. Credit Human handles the application and the initial fee to join the ACC.
Select at least one of the following products required for membership
Primary Share Savings
Membership begins with a $5 required minimum balance in a share savings account. There are no monthly fees, and dividends are paid on balances of $100 or more.
An alternative to a traditional checking account without the possibility of overdraft fees. Monthly fee of $3 waived with a recurring automatic transfer of $3 or more to your Share Savings account. Funding at account opening is optional.
Min Deposit: $0.00Max Deposit: $1,000.00
Free Checking
Get the convenience of a full-service checking account with no minimum balance required and no monthly fees.
Min Deposit: $25.00Max Deposit: $1,000.00
Dividend Checking
Earn competitive dividends on any balance. Monthly fees are waived when enrolled in direct deposit and online statements, otherwise $5 per month service fee.
A tiered savings account that allows you to earn higher dividends as your balance grows. Your money is accessible with three pre-authorized drafts and three check withdrawals during your monthly statement cycle.
Your Credit Human Liquid Share Certificate lets you make a fixed, 1-year term commitment and earn monthly dividends and an annual percentage yield (APY) on balances of $5,000 or more. Make unlimited deposits during the year commitment. You can also make two, no-penalty withdrawals during the term as long as you maintain a minimum balance of $5,000.
Max APY: 1.60%Min Deposit: $5,000.00
APY (Annual Percentage Yield)
Your Selected Products
Dividend Rate
APY
Minimum Deposit
Term (months)
1.49%
1.50%
$90,000.00
6 - 11
1.49%
1.50%
$500.00
6 - 11
1.49%
1.50%
$10,000.00
6 - 11
Dividend Rate
1.49%
APY:
1.50%
Min Deposit:
$90,000.00
Term (months):
6 - 11
Dividend Rate
1.49%
APY:
1.50%
Min Deposit:
$500.00
Term (months):
6 - 11
Dividend Rate
1.49%
APY:
1.50%
Min Deposit:
$10,000.00
Term (months):
6 - 11
Dividend Rate
APY
Minimum Deposit
Term (months)
1.88%
1.90%
$500.00
12 - 17
1.88%
1.90%
$10,000.00
12 - 17
1.88%
1.90%
$90,000.00
12 - 17
Dividend Rate
1.88%
APY:
1.90%
Min Deposit:
$500.00
Term (months):
12 - 17
Dividend Rate
1.88%
APY:
1.90%
Min Deposit:
$10,000.00
Term (months):
12 - 17
Dividend Rate
1.88%
APY:
1.90%
Min Deposit:
$90,000.00
Term (months):
12 - 17
Dividend Rate
APY
Minimum Deposit
Term (months)
1.98%
2.00%
$500.00
18 - 23
1.98%
2.00%
$10,000.00
18 - 23
1.98%
2.00%
$90,000.00
18 - 23
Dividend Rate
1.98%
APY:
2.00%
Min Deposit:
$500.00
Term (months):
18 - 23
Dividend Rate
1.98%
APY:
2.00%
Min Deposit:
$10,000.00
Term (months):
18 - 23
Dividend Rate
1.98%
APY:
2.00%
Min Deposit:
$90,000.00
Term (months):
18 - 23
Dividend Rate
APY
Minimum Deposit
Term (months)
2.08%
2.10%
$500.00
24 - 35
2.08%
2.10%
$10,000.00
24 - 35
2.08%
2.10%
$90,000.00
24 - 35
Dividend Rate
2.08%
APY:
2.10%
Min Deposit:
$500.00
Term (months):
24 - 35
Dividend Rate
2.08%
APY:
2.10%
Min Deposit:
$10,000.00
Term (months):
24 - 35
Dividend Rate
2.08%
APY:
2.10%
Min Deposit:
$90,000.00
Term (months):
24 - 35
Dividend Rate
APY
Minimum Deposit
Term (months)
1.59%
1.60%
$5,000.00
12 (min)
Dividend Rate
1.59%
APY:
1.60%
Min Deposit:
$5,000.00
Term (months):
12 (min)
Please click here to review and then select the card design for the primary member.*
Would you like to set up an automatic transfer to your savings account to waive the monthly fee?*
Yes
No
What amount would you like to automatically transfer to your primary savings account every month? A minimum of $3 is required to transfer from your Sensible Spend Account to waive the monthly fee.*
What day of the month would you like the automatic transfer to occur?*
Please select the individual(s) that will receive a debit card. You should receive your new debit card in the mail 7 to 10 days after your account has been opened.*
Please click here to review and then select the card design for the primary member.*
If you have a joint applicant, please click here to review and then select the card design for the joint member.*
Would you like to set up an automatic transfer to your savings account to waive the monthly fee?*
Yes
No
What amount would you like to automatically transfer to your primary savings account every month? A minimum of $3 is required to transfer from your Sensible Spend Account to waive the monthly fee.*
What day of the month would you like the automatic transfer to occur?*
Please select the individual(s) that will receive a debit card. You should receive your new debit card in the mail 7 to 10 days after your account has been opened.*
Please click here to review and then select the card design for the primary member.*
If you have a joint applicant, please click here to review and then select the card design for the joint member.*
I want Credit Human to use my Share Savings account as my first option for Overdraft Protection for my account.*
Yes
No
I have read and understand the Overdraft Protection document. I agree to the terms and conditions for all the Overdraft Protection options listed above. Overdraft options can be changed at any time by contacting Credit Human or visiting a local branch.*
Please click here to review and then select the card design for the primary member.*
I want Credit Human to use my Share Savings account as my first option for Overdraft Protection for my account.*
Yes
No
I have read and understand the Overdraft Protection document. I agree to the terms and conditions for all the Overdraft Protection options listed above. Overdraft options can be changed at any time by contacting Credit Human or visiting a local branch.*
Please click here to review and then select the card design for the primary member.*
I want Credit Human to use my Share Savings account as my first option for Overdraft Protection for my account.*
Yes
No
I have read and understand the Overdraft Protection document. I agree to the terms and conditions for all the Overdraft Protection options listed above. Overdraft options can be changed at any time by contacting Credit Human or visiting a local branch.*
Please select the individual(s) that will receive a debit card. You should receive your new debit card in the mail 7 to 10 days after your account has been opened.*
Please click here to review and then select the card design for the primary member.*
If you have a joint applicant, please click here to review and then select the card design for the joint member.*
I want Credit Human to use my Share Savings account as my first option for Overdraft Protection for my account.*
Yes
No
I have read and understand the Overdraft Protection document. I agree to the terms and conditions for all the Overdraft Protection options listed above. Overdraft options can be changed at any time by contacting Credit Human or visiting a local branch.*
I want Credit Human to use my Share Savings account as my first option for Overdraft Protection for my account.*
Yes
No
I have read and understand the Overdraft Protection document. I agree to the terms and conditions for all the Overdraft Protection options listed above. Overdraft options can be changed at any time by contacting Credit Human or visiting a local branch.*
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
This modal is for testing the Apple Pay workflow only. It will not be displayed to the applicants. Press the Success button to simulate a successful Apple Pay transaction. Press the Fail button to simulate an unsuccessful Apple Pay transaction.
We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.
By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.
To speed up the application process, please take a picture of the BACK of your United States driver’s license.
This will prepopulate your name and address information directly to your application.
If you do not wish to use this feature simply click the “Done” button, to proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
Choose LinkedIn profile to prefill employment information. Click button below
To speed up the application process, please take a picture of the BACK of your United States driver’s license.
This will prepopulate your name and address information directly to your application.
If you do not wish to use this feature simply click the “Done” button, to proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
Choose LinkedIn profile to prefill employment information. Click button below
System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.
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