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Save Better Savings

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

For Save Better: *APY=Annual Percentage Yield. APYs accurate as of 07/01/2020. Rates may change after account is opened. Dividends earned in Earn Better Checking and cash back earned in Spend Better Checking are automatically transferred to Save Better each statement cycle and does not compound. The Save Better APYs may be less than Earn Better Checking APYs. If qualifications in Earn Better Checking are met each monthly qualification cycle: (1) ATM processed transaction do not count towards qualifying debit card transactions; (2) balances up to $50,000 in Save Better receive an APY of 1.01%; and (3) balances over $50,000 in Save Better earn 0.15% dividends rate on portion of balance over $50,000, resulting in 1.01% to 0.50% APY depending on the balance. If qualifications are not met on Earn Better or Spend Better Checking Accounts, all balances in Save Better earn 0.05% APY. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. 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. Membership eligibility required. Federally insured by NCUA.

For Spend Better: *Rewards accurate as of 07/01/2020. 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) 2.00% cash rewards for all debit card transactions not exceeding $300. Maximum cash back total in a monthly qualifying cycle is $6.00. 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.

For Earn Better: *APY=Annual Percentage Yield. APYs accurate as of 07/01/2020. 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 2.25%; and (3) balances over $20,000 earn 0.15% dividends rate on the portion of the balance over $20,000. 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.​

*Data charges may apply | Fees could reduce earnings

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