{"slug":"act-1st-federal-credit-union-advantage-plus-cash-checking-rate","category":"bank","institutionSlug":"act-1st-federal-credit-union","product":"Advantage Plus Cash Checking","title":"Act 1st FCU Advantage Plus Cash Checking: 3.299% APY","bonus":"3.299% APY","unit":"cash","amount":0,"reqShort":"No minimum. Balance cap $10,000.","expiresOn":null,"status":"live","verifiedOn":"2026-08-07","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"Dividends are compounded and posted on the last day of each month.","applyDomain":"act1stfcu.org","applyUrl":"https://www.act1stfcu.org/checkingaccount","summary":"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.","reqSteps":[],"finePrint":["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"],"apy":329,"apyTerm":"ongoing APY, with monthly qualifiers","listedOn":"2026-08-07","listedAt":"2026-08-07T13:04:16.624Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"act1stfcu.org rate page","url":"https://www.act1stfcu.org/checkingaccount","checkedOn":"2026-08-07"}],"needsVerification":false}