High Rate Checking

*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 to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. 

"Monthly Qualification Cycle" means the current statement cycle.  See one of our Member Experience Specialists for specific Monthly Qualification Cycle dates. 

Reward Information: 

When you meet the qualifications for your High Rate Checking account during a Monthly Qualification Cycle, average daily balances up to and including $15,000 in your High Rate Checking account earn a dividend rate of 4.889% resulting in an APY of 5.00% and average daily balances over $15,000 earn a dividend rate of 0.49% on the portion of the average daily balance over $15,000, resulting in a range from 0.50% to 5.00% APY depending on the account's average daily balance. 

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM surcharge fees incurred within your High Rate Checking account during that Monthly Qualification Cycle. We reimburse ATM surcharge fees based on estimates when the withdrawal information we receive does not identify the ATM surcharge fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to High Rate Checking or Cash Back Checking via ATM; High Rate Savings ATM surcharge fees will not be refunded. 

When your High Rate Checking account qualifications are not met, the dividend rate earned on the account's entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM surcharge fees are not refunded. 

Dividends will be credited to your High Rate Checking account on the first processing/business day of the following statement cycle. 

Nationwide ATM surcharge fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle. 

APY = Annual Percentage Yield. 

APYs accurate as of 11/04/2025. 

APY calculations are based on an assumed balance of $15,000 + $100,000 in your High Rate Checking account and an assumed statement cycle of thirty-one (31) days. 

Rates, rewards, and bonuses - if applicable-  are variable and may change after the account is opened.  Rate changes may occur without prior notice. No minimum balance is required to earn or receive rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. 

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. 

At least one monthly direct deposit/ACH credit or ACH debit, enrollment in e-statements, and (12) monthly debit card purchases are conditions of this account. 

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. 

Limit of one account per member.  

There are no recurring monthly maintenance charges or fees to open or close this account. 

Advertised information and rewards are based on all account qualifications being met during each cycle period. 

Contact one of our Member Experience Specialists for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. 

Federally insured by NCUA. Your Savings Insured To $250,000 Per Account.