Act 1st Federal Credit Union offers 3.299% APY on Advantage Plus Cash Checking for average daily balances up to $10,000. Members must meet monthly qualifiers including e-statement enrollment, web banking, direct deposit of $500+, ACH withdrawal of $100+, and 10 debit card transactions of $25+ each to earn the advertised rate. Balances over $10,000 earn a lower dividend-bearing rate set by the board.
Eligibility
How to get the Act 1st FCU Advantage Plus Cash Checking rate
- Apply through the offer page to open the Advantage Plus Cash Checking.
- Complete the requirement: No minimum. Balance cap $10,000..
The fine print that matters
- APY accurate as of May 1st, 2024, subject to change without notice
- Rate applies only to average daily balances up to $10,000.00
- Balances greater than $10,000.00 earn the regular dividend-bearing share draft account yield
- Monthly qualifiers must be met each month to earn rewards
- Interest calculated on average daily balance, compounded and posted monthly
- Fees may reduce earnings
- Membership eligibility requirements apply
- Member must have Act 1st FCU savings account with at least $5.00 before opening checking account
Verification and reports
Confirmed against act1stfcu.org on Aug 7, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: act1stfcu.org rate page (checked Aug 7, 2026)