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Rewards

High Dividends

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Account
Earn Better
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Spend Better
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Fees
FREE
FREE
Best For
High Balances
Debit Card Transactions
Rewards
  • Earn 4.15% APY* on balances up to $20,000
  • Earn 0.25% APY* on balances over $20,000 depending on balance in account
  • Earn 0.05% APY* if qualifications aren't met
  • Earn 3.00% cash back on debit card purchases*
  • No category restrictions on purchases
  • Cash back earned on up to $300 in purchases monthly
  • Earn up to $108 cash back per year, $9 per month
Monthly Service Charge
$0$0
Free Stuff?
  • Refunds up to $25 per month in ATM fees*
  • Free online banking with bill pay
  • Free debit card
  • Refunds up to $25 per month in ATM fees*
  • Free online banking with bill pay
  • Free debit card
Minimum Opening Deposit
$25$25

Earn Better: *APY=Annual Percentage Yield. APYs accurate as of 06/01/2019. Rates may change after account is opened. Minimum to open is $25.00 for Earn Better Checking. For Earn Better Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $20,000 receive APY of 4.15%; and (3) balances over $20,000 earn 0.25% dividends rate on the portion of the balance over $20,000, resulting in 4.15% to 0.64% APY depending on the balance. If qualifications are not met on Earn Better Checking all balances earn 0.05% APY. Qualifying transactions include 12 debit card transactions, (1) ACH Deposit or ACH credit transaction, Enroll in an e-statement. Qualifying transactions must post to and settle to the Earn Better Checking account during monthly qualification cycle. “Monthly Qualification Cycle” means the first day of the month to the last day of the month. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. The advertised Earn Better Checking APY is based on compounding dividends. Membership eligibility required. Federally insured by NCUA. Fees could reduce earnings.

Spend Better: *Rewards accurate as of 06/01/2019. Rates may change after account is opened. Minimum to open is $25.00 for Spend Better Checking and $25.00 for Save Better. For Spend Better Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) 3.00% cash rewards for all debit card transactions not exceeding $300. Maximum cash back total in a monthly qualifying cycle is $9.00. Qualifying transactions include 12 debit card transactions, (1) ACH Deposit or ACH credit transaction, Enroll in an e-statement. Qualifying transactions must post to and settle to the Spend Better Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to the account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means the first day of the month to the last day of the month. Membership eligibility required. Federally insured by NCUA. Fees could reduce earnings.

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