# Act 1st FCU Advantage Plus Cash Checking: 3.299% APY

Canonical: https://dealaka.com/offers/act-1st-federal-credit-union-advantage-plus-cash-checking-rate

- Status: Limited reports
- Bonus: 3.299% APY
- APY: 3.29% (ongoing APY, with monthly qualifiers)
- Requirement: No minimum. Balance cap $10,000.
- Expires: no published end date
- Availability: Nationwide
- Institution: Act 1st Federal Credit Union
- Verified: Aug 7, 2026 against act1stfcu.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Advantage Plus Cash Checking.
2. Complete the requirement: No minimum. Balance cap $10,000..

## 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

## Sources
- act1stfcu.org rate page <https://www.act1stfcu.org/checkingaccount> (checked Aug 7, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._