# AMERICU High Rate Checking: 7.00% APY

Canonical: https://dealaka.com/offers/americu-high-rate-checking-rate

- Status: Limited reports
- Bonus: 7.00% APY
- APY: 7.00% (ongoing APY on first $10,000)
- Requirement: $5,000 qualifying loan, 12 debit swipes/month, e-statements
- Expires: no published end date
- Availability: NY (NY)
- Institution: Americu
- Verified: Aug 19, 2026 against americu.org
- Field reports: 0

## 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.

## Requirements
1. Make 12 or more debit signature swipes per monthly statement cycle.
2. Be enrolled with e-statements.
3. Have a minimum $5,000 loan in good standing (not including credit cards or student loans).

## 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.

## Sources
- americu.org rate page <https://www.americu.org/highrate/> (checked Aug 12, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._