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Save Better

Save money automatically when you link your free Spend Better or Earn Better checking accounts to free Save Better.

It’s Easy to Earn Our Highest Rate

Qualifying for your Spend Better or Earn Better rewards automatically qualifies you for the highest Save Better rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Spend Better or 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’s it! And if for some reason you don’t meet the monthly qualifications, don’t worry. Your accounts are still free and you’ll still earn the base dividend rate on Save Better. You can get back to earning your full rewards the very next Monthly Qualification Cycle!

Details

  • Free account that builds your savings effortlessly
  • Links to free Spend Better or Earn Better accounts
  • Automatic transfers of Spend Better or Earn Better earnings
  • 2.01% APY* on balances up to $50,000
  • Balances exceeding $50,000 earn 0.25% APY
  • For qualifying accounts, rewards earned in Spend and Earn Better accounts will transfer into the Save Better account at month end
  • 0.05% APY* if qualifications are not met on Spend Better or Earn Better
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking & bill pay
  • Free mobile banking with mobile deposit*
  • Free e-statements
  • Free telephone banking
  • Free access to shared branches all across the country
  • Nationwide surcharge-free ATMs
  • $25 minimum deposit to open

For 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 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.

For 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 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.

*Data charges may apply | Fees could reduce earnings

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