Earn 3.00% APY on average daily balances up to $20,000 when qualifications are met (1 direct deposit monthly, 12+ debit transactions of $5+, e-statements, online banking). Balances over $20,000 earn 0.60% on the excess. If qualifications aren't met, earn 0.05% APY instead.
Eligibility
Available in 1 states
TX
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Chemcel FCU Checking Reward$ rate
- Apply through the offer page to open the Checking Reward$.
- Complete the requirement: $25 minimum, with qualifications.
The fine print that matters
- Rates and rewards are variable and may change after account is opened
- Fees may reduce earnings
- Monthly qualification cycle corresponds to statement cycle (1st day of month to 10:30 PM CST last day)
- Limit one account per household
- All transactions must post and settle during the monthly qualification cycle to earn rewards
Verification and reports
Confirmed against chemcel.org on Aug 8, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Report your result
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Sources: chemcel.org rate page (checked Aug 8, 2026)
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