Savings Plus

Minimum to open Cash Back is $100, High Interest is $100, and $25 for Savings Plus. APY = Annual Percentage Yield. APYs accurate as of 11/19/2024. Rates may change after account is opened. Fees may reduce earnings.

When your High Interest Checking account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s): (1) High Interest Checking: Balances up to $10,000 receive a non-compounding APY* of 4.00%; and balances over $10,000 earn 0.35% interest rate on the portion of balance over $10,000, resulting in a non-compounding range from 4.00% to 0.68% APY depending on the account’s balance and (2) Savings Plus: Balances up to $50,000 receive APY of 3.00% and balances over $50,000 earn 0.35% interest rate on the portion of balance over $50,000, resulting in a range from 3.00% to 1.23% APY depending on the account’s balance. (3) ATM Fee Reimbursements: You will receive reimbursements up to $25 ($4.99 per single transaction) for domestic ATM fees incurred during the Monthly Qualification Cycle in which you met your High Interest Checking qualifications. When your High Interest Checking qualifications are not met, ATM fees are not refunded, all balances in your High Interest Checking account earn a non-compounding APY* of 0.01% and all balances in your Savings Plus account earn 0.01% APY. Rewards are credited to the appropriate account on the last day of the current statement cycle. *When linked to the Savings Plus account, the interest earned within the High Interest Checking account does not compound since it is automatically transferred to the Savings Plus account within one day of being credited to the High Interest Checking account. This automatic transfer may cause an overdraft to your High Interest Checking account, if the account's balance is less than the transferred amount when transfer occurs. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts and ATM transactions do not count as qualifying transactions.

When your Cash Back Checking account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s): (1) Cash Back Checking Reimbursements: You will receive 2% cash back on debit card purchases that post and settle to the account during the Monthly Qualification Cycle up to a total cash back of $6 per monthly qualification cycle and (2) Savings Plus: Balances up to $50,000 receive APY of 3.00% and balances over $50,000 earn 0.35% interest rate on the portion of balance over $50,000, resulting in a range from 3.00% to 1.23% APY depending on the account’s balance. (3) ATM Fee Reimbursements: You will receive reimbursements up to $25 ($4.99 per single transaction) for domestic ATM fees incurred during the Monthly Qualification Cycle in which you met your Cash Back Checking qualifications. When Cash Back Checking qualifications are not met, ATM fees are not refunded, cash back on debit card purchases are not refunded and all balances in your Savings Plus account earn 0.01% APY. Rewards are credited to the appropriate account on the last day of the current statement cycle.