{"slug":"chemcel-fcu-checking-reward-rate","category":"bank","institutionSlug":"chemcel-fcu","product":"Checking Reward$","title":"Chemcel FCU Checking Reward$: 3.00% APY","bonus":"3.00% APY","unit":"cash","amount":0,"reqShort":"$25 minimum, with qualifications","expiresOn":null,"status":"live","verifiedOn":"2026-08-08","reports":0,"openIssues":0,"states":["TX"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"Rates are variable and subject to change","posts":"Dividends credited on the last day of the current statement cycle","applyDomain":"chemcel.org","applyUrl":"https://www.chemcel.org/accounts/personal-checking","summary":"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.","reqSteps":[],"finePrint":["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"],"apy":300,"apyTerm":"ongoing APY on qualifying balance","listedOn":"2026-08-08","listedAt":"2026-08-08T13:07:19.885Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"chemcel.org rate page","url":"https://www.chemcel.org/accounts/personal-checking","checkedOn":"2026-08-08"}],"needsVerification":false}