Serious Interest Checking earns 4.00% APY on balances up to $15,000 when you meet monthly requirements: 12 debit/credit transactions, $1,000 average daily balance, and $1,000 in recurring direct deposits. Balances above $15,000 earn 0.01% APY. If requirements are not met, the entire balance earns 0.01% APY.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Consumers Credit Union Serious Interest Checking rate
- Apply through the offer page to open the Serious Interest Checking.
- Complete the requirement: $1,000 minimum deposit, 12 transactions/mo.
The fine print that matters
- To qualify for 4.00% APY you must meet minimum requirements each statement cycle: 12 debit or credit card purchase transactions, maintain at least $1,000 average daily balance, receive $1,000 or more in recurring direct deposits, and be enrolled in monthly estatements
- 4.00% APY applies to balances $15,000 and below; 0.01% APY applies to balances over $15,000.01
- Interest calculated and posted on the last day of each month using average daily balance method
- Rates are variable and subject to change at any time
- Fees may reduce earnings
- Limit one high interest checking per social security number
Verification and reports
Confirmed against consumerscu.org on Aug 2, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: consumerscu.org rate page (checked Aug 2, 2026)
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