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*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 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. See our website for specific Monthly Qualification Cycle dates. Depending on what reward checking account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: High Yield Checking: daily balances up to and including $15,000.00 receive an APY of 6.00%; and daily balances over $15,000.00 earn a dividend rate of 0.49876% on the portion of the daily balance over $15,000.00, resulting in a range from 6.00% to 1.22% APY depending on the account's daily balance. Cash Back Checking: you will receive 5% cash back on up to a total of $200.00 on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle. High-Yield Savings: daily balances up to and including $100,000.00 in your High-Yield Savings account earn an APY of 3.00% and daily balances over $100,000.00 earn a dividend rate of 0.49876% on the portion of the daily balance over $100,000.00, resulting in a range from 3.00% to 1.75% APY depending on the account's daily balance. You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your High-Yield Checking or Cash Back Checking account during the Monthly Qualification Cycle in which you qualified. NOTE: ATM fee reimbursements only apply to High-Yield Checking or Cash Back Checking transactions via ATM; High-Yield Savings ATM transaction fees are not reimbursed or refunded. Depending on your reward checking account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and: High-Yield Checking: the entire daily balance in the High-Yield Checking account earns 0.05% APY. High-Yield Savings: the entire daily balance in the High-Yield Savings account earns 0.05% APY. Dividends will be credited to your High-Yield Checking and High-Yield Savings accounts on the last day of the current statement cycle. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Cash Back Checking account will be credited to your Cash Back Checking account on the last day of the current statement cycle. If High-Yield Checking or Cash Back Checking are linked to High-Yield Savings, the following also apply: Cash Back Checking: When linked to a High-Yield Savings account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Cash Back Checking account will be credited to your Cash Back Checking account on the last day of the current statement cycle.
APY = Annual Percentage Yield. APYs are accurate as of 12/03/2025. Rates, rewards, and bonuses, if any, are variable and may change after the account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards of less than a penny cannot be distributed. Fees may reduce earnings. 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 accounts. There are no recurring monthly maintenance charges or fees to open or close this account. A High-Yield Checking or Cash Back Checking account is required to have a High-Yield Savings account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions. Federally insured by NCUA.