# Consumers Credit Union Rewards Checking: 5.00% APY

Canonical: https://dealaka.com/offers/consumers-credit-union-rewards-checking-rate

- Status: Limited reports
- Bonus: 5.00% APY
- APY: 5.00% (ongoing APY, tiered by activity)
- Requirement: No minimum balance; $1,000/month CCU Visa spend for 5.00%
- Expires: no published end date
- Availability: Nationwide
- Institution: Consumers Credit Union
- Verified: Aug 2, 2026 against myconsumers.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Rewards Checking.
2. Complete the requirement: No minimum balance; $1,000/month CCU Visa spend for 5.00%.

## Fine print that matters
- 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.

## Sources
- myconsumers.org rate page <https://www.myconsumers.org/checking-and-savings/personal-banking/checking-accounts/rewards-checking> (checked Aug 2, 2026)

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