*Reward qualifications: APY = Annual Percentage Yield. To qualify for the monthly high interest reward (4.00% APY) you must meet the following minimum checking account requirements each statement cycle: (1) make 12 debit or credit card purchase transactions on accounts to which you are an owner during the statement cycle, (2) maintain at least a $1,000 average daily balance in the account, (3) receive an aggregate of $1,000 or more during the statement cycle in recurring direct deposits to the account, and (4) be enrolled in and receive monthly eStatements. Statement cycle: The statement cycle is defined as the period beginning on the first day of each calendar month and ending on the last day of the same month. Balance information and interest crediting: If you meet the minimum qualification requirements during the monthly statement cycle, 4.00% APY will apply to balances $15,000.00 and below; 0.01% APY will apply to balances of $15,000.01 or more. Each interest rate will apply only to the portion of the account balance that is within the specified range. The APY shown on your monthly statement will reflect interest earnings for your entire balance. Interest will be calculated and posted on the last day of each month using an Average Daily Balance Method. The Average Daily Balance Method applies a periodic rate to the average daily balance in the account for the statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the statement cycle and dividing by the number of days in the statement cycle. All Serious Interest Checking Accounts in which reward qualifications are not met will earn 0.01% APY for the entire balance. If you close your account before interest is paid, you may not receive the accrued interest. General information: Rates accurate as of April 29, 2025, are variable and subject to change at any time. Fees may reduce earnings. Limit one high interest checking per Social Security number.
**A monthly fee of $5.00 may be charged to accounts receiving a paper statement.

Click here for Fee schedule.