# Chemcel FCU Checking Reward$: 3.00% APY

Canonical: https://dealaka.com/offers/chemcel-fcu-checking-reward-rate

- Status: Limited reports
- Bonus: 3.00% APY
- APY: 3.00% (ongoing APY on qualifying balance)
- Requirement: $25 minimum, with qualifications
- Expires: no published end date
- Availability: TX (TX)
- Institution: Chemcel FCU
- Verified: Aug 8, 2026 against chemcel.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Checking Reward$.
2. Complete the requirement: $25 minimum, with qualifications.

## 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

## Sources
- chemcel.org rate page <https://www.chemcel.org/accounts/personal-checking> (checked Aug 8, 2026)

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