Become a Member

Where do you want your financial journey to take you? Explorers CU is here to help. We have a vision of financial empowerment for everyone – backed by fresh teamwork, drive, and ingenuity daily.

We do banking differently. As a not-for-profit, member-owned cooperative, we return profits to our members through financial education, reinvesting in the community, low-interest rate loans, and higher dividends.

  • You set the goal(s) and the pace. We’ll provide the financial tools, expertise, guidance and support to get you there.

    Free Kasasa Cash Back Checking

    Start with this free checking account that pays cash back on debit card purchases – plus refunds on ATM withdrawal fees.*

    Free checking that pays you back
    Get 6.00% cash back on debit card purchases*
    No category restrictions on purchases
    Earn as much as $144 cash back per year, $12 per month*

Learn more about Cash Back Checking!


Our field of membership includes people who live, work, worship, volunteer or attend school in any of the following counties:

South Dakota: Aurora, Bon Homme, Charles Mix, Clay, Davison, Douglas, Hanson, Hutchinson, Lincoln, McCook, Minnehaha, Turner, Union and Yankton

Nebraska: Antelope, Boone, Boyd, Cedar, Cuming, Dakota, Dixon, Holt, Knox, Madison, Pierce, Platte, Stanton, Thurston, Wayne and Wheeler

Immediate family members of Explorers CU members are also eligible for membership. Plus, once you’re a member, you’re always a member. Even if you relocate.


Let us be your guide to financial empowerment – apply online, call 1.800.491.4309 or stop by any of our branches to talk with a Member Service Representative! Must have the following to become a member:

  • Meet membership requirements
  • Minimum Share (Savings) Account deposit of $10 – have your debit or credit card ready!
  • Social Security Number
  • Valid Government-issued Photo ID – If your address does not match this ID, then you must bring in a piece of mail
  • Minors must come in with a parent or guardian

Join Us Today!


Personalized Service – we take the time to listen to your needs and understand your goals

Better Rates – as a not-for-profit institution, pay less on loan interest and earn more on savings

Lower fees – we are committed to transparency with our fees

People helping people – we are committed to lifting you up and improving your financial well-being

Nationwide ATM access – we offer free access to more than 30,000 ATMs nationwide

Qualification Information:

*Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle.

Reward Information:

*When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 6.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $12.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. Note. ATM fee reimbursements only apply to Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

When your Kasasa Cash Back account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded.

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.

Additional Information:

Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Advertised information and rewards are based on all account qualifications being met during each cycle period.

Federally insured by NCUA.