Affinity Federal Credit Union | High-Yield Checking

Qualifications to Earn Rewards

To qualify for the high dividend rates, complete the following transactions and activities to your High-Yield Checking account during each Monthly Qualification Cycle:

Use Your Debit Card

Complete at least 12 debit card transactions every month to meet the requirement.

Set Up Direct Deposit

Have at least one direct deposit or ACH credit transaction of $250 or more¹.

Enroll in eStatements

Be opted into eStatements for a secure and eco-friendly way to receive your account information.³

Why Choose Our High-Yield Checking?

We offer financial flexibility with our checking account that combines excellent earning potential with automatic savings growth. Benefit from nationwide ATM fee refunds and the convenience of no minimum balance or monthly maintenance fees.

High Dividend Earnings

High Dividend Earnings
Earn 5.50% APY¹ on balances up to $15,000 and 0.50% APY on every dollar over.

Monthly ATM Refunds
Get up to $25 back per statement cycle for out-of-network ATM fees².

No Monthly Maintenance Fees
Keep more of your money with no monthly maintenance fees when enrolled in eSstatements³.

The Experience You Deserve

ATM Fee Refunds

Up to $25 in monthly ATM fee refunds available.²

Seamless Savings

Automatically grow your savings with our Performance Savings account.

No Minimums

No minimum balance or deposit required to open.

Not Meeting the Qualifications?

Don’t worry – you can start earning cash rewards again in the next cycle as soon as you qualify. Start benefiting today with our High-Yield Checking Account!

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1 APY = Annual Percentage Yield. APY is effective as of 9/3/2024. The APY is accurate as of the latest dividend declaration date. Dividend rates and annual percentage yield are subject to change after the account is opened at our discretion without notice to you. We do not impose a limit on the amount the dividend rate and Annual Percentage Yield on your account may change. The dividend rate on your account is determined by the credit union. There is no initial deposit requirement to open this account. There is no minimum balance requirement for this account. Fees could reduce earnings on this account. One account per member allowed. Affinity membership is required with $5 deposit to membership eligibility account. This account is not offered for members who already have an active Cash Back Plus account opened.

Qualifications: The following criteria must be met to qualify for the stated dividend rate: at least 12 Debit card transactions, at least one Direct Deposit or ACH credit transaction (a minimum of $250 or more for each), active election to receive electronic statements. If your daily balance is $15,000 or less, the dividend rate paid on the entire balance will be 5.35%, with an APY of 5.50%. A dividend rate and APY of 0.50% will be paid only on the portion of your daily balance that is greater than $15,000. If qualifying criteria are not met, the dividend rate and APY of 0.05% will be paid on the entire balance of the account in the same dividend period. Closure of this account does not terminate credit union membership. However, if your account(s) is closed before its rewards are credited, you will forfeit the account(s)’ rewards.

2 The ATM refund will be received at the end of the statement cycle.

3 To avoid the $2 monthly paper statement fee, upon opening your High-Yield Checking Account, you must enroll in paperless statements (eStatements) either by registering and logging in to your Online Banking or Mobile Banking account. For new members the paper statement fee is waived for the first 45 days of membership, after that, if you have not enrolled in eStatements you may be assessed a $2 paper statement fee per month. Enrollment in eStatements means you will not receive mail delivery of your statements and you have agreed to Electronic Delivery Disclosure. You may withdraw your consent to receive paperless statements anytime by logging in to your Online Banking or Mobile banking account. If you choose to withdraw from eStatements you will be charged a $2 monthly paper statement fee.