{"slug":"consumers-credit-union-rewards-checking-rate","category":"bank","institutionSlug":"consumers-credit-union","product":"Rewards Checking","title":"Consumers Credit Union Rewards Checking: 5.00% APY","bonus":"5.00% APY","unit":"cash","amount":0,"reqShort":"No minimum balance; $1,000/month CCU Visa spend for 5.00%","expiresOn":null,"status":"live","verifiedOn":"2026-08-02","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"myconsumers.org","applyUrl":"https://www.myconsumers.org/checking-and-savings/personal-banking/checking-accounts/rewards-checking","summary":"Earn up to 5.00% APY on balances up to $10,000 when you spend $1,000 or more monthly with a CCU Visa card and meet other requirements. Balances above $10,000 earn lower tiered rates. If requirements aren't met, balances earn 0.01% APY.","reqSteps":[],"finePrint":["This is a variable rate account and may change after account opening.","For balances $0.01-$10,000: rate ranges 3.00%-5.00% APY based on qualifying activity.","For balances $10,000.01-$25,000: 0.20% APY if requirements met; 0.01% if not.","For balances $25,000.01+: 0.10% APY if requirements met; 0.01% if not.","Fees may reduce earnings.","No minimum balance required."],"apy":500,"apyTerm":"ongoing APY, tiered by activity","listedOn":"2026-08-02","listedAt":"2026-08-02T13:13:33.326Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"myconsumers.org rate page","url":"https://www.myconsumers.org/checking-and-savings/personal-banking/checking-accounts/rewards-checking","checkedOn":"2026-08-02"}],"needsVerification":false}