Earn 5.50% APY on account balances up to $15,000 when you meet monthly qualification requirements (12 debit card purchases, one direct deposit of $250+, and electronic statements). Balances over $15,000 earn 0.50% APY. If qualifications are not met, the rate drops to 0.05% APY.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Affinity Federal Credit Union High-Yield Checking rate
- Apply through the offer page to open the High-Yield Checking.
- Complete the requirement: $5 minimum, qualifications required.
The fine print that matters
- APY effective as of 9/3/2024
- Dividend rates and APY may change at any time without prior notice
- No limit on how much rates may increase or decrease
- $5 minimum deposit required to open
- No minimum balance to maintain
- $2 monthly fee if not enrolled in electronic statements
- ATM withdrawal fees refunded up to $25 per cycle when qualifications are met
- Limit one high-yield checking account per membership
Verification and reports
Confirmed against affinityfcu.com on Aug 1, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Report your result
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Sources: affinityfcu.com rate page (checked Aug 1, 2026)
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