{"slug":"americu-high-rate-checking-rate","category":"bank","institutionSlug":"americu","product":"High Rate Checking","title":"AMERICU High Rate Checking: 7.00% APY","bonus":"7.00% APY","unit":"cash","amount":0,"reqShort":"$5,000 qualifying loan, 12 debit swipes/month, e-statements","expiresOn":null,"status":"live","verifiedOn":"2026-08-19","reports":0,"openIssues":0,"states":["NY"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"No fee","keep":"","posts":"Dividends earned by your account paid at end of each monthly billing cycle","applyDomain":"americu.org","applyUrl":"https://www.americu.org/highrate/","summary":"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.","reqSteps":["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)."],"finePrint":["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."],"apy":700,"apyTerm":"ongoing APY on first $10,000","listedOn":"2026-08-07","listedAt":"2026-08-07T13:05:38.709Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"americu.org rate page","url":"https://www.americu.org/highrate/","checkedOn":"2026-08-12"}],"needsVerification":false}