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Earn Better

Easily earn really high dividends — plus refunds on ATM withdrawal fees, nationwide!*

It’s Easy to Earn Our Highest Rate

We make it so easy to earn the highest rate that you’re probably doing most of these things already. Enrollments must be in place and all of the following transactions and activities must post and settle to your Earn Better account during each Monthly Qualification Cycle:

  • 12 debit card transactions to post to and settle to the account
  • 1 ACH credit (like a direct deposit)
  • Enroll in an e-statement.

That covers it! If for some reason you don’t meet the monthly qualifications, don’t worry. Your account is still free and you still earn our base dividend rate. You can get back to earning your full rewards the very next Monthly Qualification Cycle!

Details

*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 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.

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