{"slug":"class-act-federal-credit-union-honors-checking-rate","category":"bank","institutionSlug":"class-act-federal-credit-union","product":"Honors Checking","title":"Class Act Federal Credit Union Honors Checking: 4.00% APY","bonus":"4.00% APY","unit":"cash","amount":0,"reqShort":"No minimum balance; requires direct deposit, e-statements","expiresOn":null,"status":"live","verifiedOn":"2026-08-08","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"Daily interest rate paid monthly","applyDomain":"classact.org","applyUrl":"https://www.classact.org/accounts/honors-checking","summary":"Earn 4.00% APY on balances up to $5,000 and 0.25% APY on balances above $5,000 when all monthly requirements are met. Requirements include direct deposit or automatic payment, e-statements enrollment, 10 debit card purchases totaling at least $200, and one monthly online/mobile login. No monthly maintenance fees or minimum balance required.","reqSteps":[],"finePrint":["As of January 31, 2018, 4.00% annual percentage yield (3.96%) daily interest rate paid monthly on balances up to $5,000","Balances over $5,000 earn 0.25% APY (stated as 'higher tier share 0 dividend rate')","All requirements must be met before month-end processing on the last business day of the month","Rates and terms are subject to change","Debit card returns will be deducted from monthly total and do not count towards requirements","Unused out of network ATM fee refunds do not roll over month to month"],"apy":400,"apyTerm":"ongoing APY on first $5,000, then 0.25% APY","listedOn":"2026-08-08","listedAt":"2026-08-08T13:06:34.199Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"classact.org rate page","url":"https://www.classact.org/accounts/honors-checking","checkedOn":"2026-08-08"}],"needsVerification":false}