Allied Federal Credit Union offers 3.05% APY on rewards checking account balances up to $10,000 when you make at least 15 debit card transactions monthly and receive direct deposits of $100 or more. Balances above $10,000 earn 0.04% APY, and you earn 0.04% if qualification requirements are not met.
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 Allied Federal Credit Union Rewards Checking rate
- Apply through the offer page to open the Rewards Checking.
- Complete the requirement: 15 debit transactions + $100 direct deposit monthly.
The fine print that matters
- 3.05% APY earned on balances up to $10,000
- 0.04% APY on balances above $10,000
- 0.04% APY if qualifications are not met
- To qualify: 15 or more signature-based debit card transactions and direct deposit of at least $100 must post and settle during each monthly qualification cycle
- Service fee waived with direct deposit
Verification and reports
Confirmed against alliedfcu.com 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: alliedfcu.com rate page (checked Aug 7, 2026)
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