Educational Credit Union invites its members to take full advantage of this best checking account called Smart Checking which has a best interest rate of 3.51% APY for balance through $25,000 if the monthly requirements are met. Portions of the balance above $25k earns an interest rate of 0.80% APY. The base interest rate is 0.15% APY.
The monthly requirements to enjoy the best interest rate of this best reward checking account are the following:
- make at least 10 purchases using your debit card
- setup at least 1 ACH Auto Debit or Direct Deposit
- subscribe to electronic bank statement
This best checking account does not require any minimum balance nor does it charge a monthly service fee.
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Credit Union, Educational Credit, Educational Credit Union, Union
Endura Financial Federal Credit Union is pushing for their best reward checking account called eLife Checking account. This money in the bank lets you earn an interest rate of 4.01% APY for balances of up to $25,000. The portion of the above the $25k balance earns you an interest rate of 0.15% APY. You can also refund ATM surcharges of up to $5 when you meet the following requirements:
- make at least 15 debit cared purchases with a minimum of $10 per transaction per statement cycle
- enroll to internet banking
- subscribe to electronic bank statement
- set up a direct deposit
If you did not meet the credit unions prerequisites, you will not be able to refund your ATM fees and you will only earn their base interest rate of 0.15% APY.
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Credit Union, Federal Credit, Federal Credit Union, Union
Uniwyo Federal Credit Union is pushing for their best checking account called Xtraordinary Checking Account. This money in the bank deal lets you earn an interest rate of 3.65% APY for balances of up to $25,000. The portion of the balance beyond the $25k line will earn you an interest rate of 0.15 % APY.
In addition to this, you can enjoy the safety and convenience of electronic bank statement and debit card. By subscribing to e-statement you will be able to save the credit union’s money in printing and mailing of your statement and earn additional money every time you use your debit card. Y
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Credit Union, Federal Credit, Federal Credit Union, Union
Linn Area Credit Union is pushing for their best interest rate reward checking account. This money in the bank deal lets you earn an interest rate of 4.00% APY for balances of up to $25,000. You get to earn an interest rate of 0.30% APY for the portions of the funds above the $25K line. Plus, you get to have your ATM fees refunded. For you to earn this high interest rate reward checking account, you need to meet the following monthly requirements:
- make at least 12 purchases using your debit card
- setup a direct deposit on your retirement income or paycheck
- enroll to electronic bank statement
- activate e-Branch
You will be notified thru your e-mail if you meet the requirements and receive your earned reward or interest rate.
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Area Credit, Area Credit Union, Credit Union, Union
FAA Credit Union offers attractive interest rates for their rewards checking account. This high yield checking account is called Optimum Checking which earns the following current interest rates:
- earn 4.01% APY for balances up to $30,000
- earn 0.05% APY for balances beyond $30,000
For you to reap the benefits of this high interest reward checking account, you need to meet certain requirements: you must use your check card at the point of sale for at least 12 months per statement cycle; opt-in to receive you bank statement thru your email; use online banking; set up a direct deposit atleast once per month.
In case you decide to make a withdrawal before the maturity date, expect that penalty charges will be applied.
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Credit Union, Faa Credit, Faa Credit Union, Union
Cooperative Center Federal Credit Union is offering a high yield checking account that gains 3.01% APY for deposits of $25,000 and the rest of the funds above the $25K line earns 0.31% APY. You can enjoy these best interest rates as long as you meet the requirements of the reward checking account. You do not have to worry in case you do not meet the requirements for the cycle since you will still get 0.10% APY.
The account holder must meet the following requirements of this best reward checking account:
- using the debit card 12 times to make purchases at point of sale
- Make a direct deposit, set up automatic payments, or use the online bills payment system
- Use online banking
- Subscribe to electronic bank statements
Another perk of this checking account is that you will get unlimited refunds for incurred atm surcharges.
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Credit Union, Federal Credit, Federal Credit Union, Union
Market USA Federal Credit Union offers the highest interest rates for their best checking account called VIP Checking. This is a reward checking account which has the following current interest rates:
- 4.00% APY for deposits thru $50,000
- 0.10% APY for amounts above $50K
- No dividends for the month if the requirements are not met
- 8 free transactions on STAR and Plus ATMs per month
- iTunes credit per month not greater than $3.87 per month
To enjoy the best interest rates of this checking account, you need to satisfy the following requirements:
- enroll for electronic bank statement and internet banking
- make a monthly direct deposit of at least $250
- use the Visa debit card for at least 12 purchases (Purchases of at least $50 using the debit card at Stop & Ship, Bilo, and Giant counts as 1.5 transactions)
This checking account is offered nationwide and can be opened online.
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Credit Union, Federal Credit, Federal Credit Union, Union