{"slug":"affinity-federal-credit-union-high-yield-checking-rate","category":"bank","institutionSlug":"affinity-federal-credit-union","product":"High-Yield Checking","title":"Affinity Federal Credit Union High-Yield Checking: 5.50% APY","bonus":"5.50% APY","unit":"cash","amount":0,"reqShort":"$5 minimum, qualifications required","expiresOn":null,"status":"live","verifiedOn":"2026-08-01","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"None stated.","posts":"Dividends and ATM rebates deposited on the last day of the statement cycle (calendar-month period).","applyDomain":"affinityfcu.com","applyUrl":"https://www.affinityfcu.com/personal-banking/banking/checking/","summary":"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.","reqSteps":[],"finePrint":["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"],"apy":550,"apyTerm":"ongoing APY on balances up to $15,000","listedOn":"2026-08-01","listedAt":"2026-08-01T13:13:12.133Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"affinityfcu.com rate page","url":"https://www.affinityfcu.com/personal-banking/banking/checking/","checkedOn":"2026-08-01"}],"needsVerification":false}