Earn 7.00% APY on balances up to $10,000 by maintaining a $5,000 qualifying loan in good standing, making 12 or more debit signature swipes per month, and enrolling in e-statements. Balances over $10,000 earn 0.15% to 7.00% APY. Without meeting requirements, you earn 0.05% APY.
Eligibility
Available in 1 states
NY
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the AMERICU High Rate Checking rate
- Make 12 or more debit signature swipes per monthly statement cycle.
- Be enrolled with e-statements.
- Have a minimum $5,000 loan in good standing (not including credit cards or student loans).
The fine print that matters
- Must make 12 or more debit signature swipes per monthly statement cycle
- Must be enrolled with e-statements
- Must have minimum $5,000 loan in good standing (not including credit cards or student loans); rate is 6.00% APY without qualifying loan
- Rate of 0.05% APY on balances up to $10,000 and 0.05% to 0.15% APY on balances over $10,000 if requirements not met
- Tiered account
- APY current as of February 1, 2025 and may change after account is opened
- Without the monthly qualifications the rate is 0.05% APY.
Verification and reports
Confirmed against americu.org on Aug 19, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Report your result
Reviewed by a human before it publishes. We do not ask for your name or contact, and a published report never carries one.
Spot something new or wrong? Send a tip. Corrections ship and are credited in the changelog.
Sources: americu.org rate page (checked Aug 12, 2026)
Similar offers to compare
Academy Bank Certificate of Deposit4.15% APY
15-month term CD
Achieva Credit Union 6-Month CD3.90% APY
6-month term
Affinity Federal Credit Union High-Yield Checking5.50% APY
$5 minimum, qualifications required
America's Christian Credit Union Elite Checking4.00% APY
Conditional rate. 12 debit transactions + $2,000 DD monthly