{"slug":"consumers-credit-union-serious-interest-checking-rate","category":"bank","institutionSlug":"consumers-credit-union","product":"Serious Interest Checking","title":"Consumers Credit Union Serious Interest Checking: 4.00% APY","bonus":"4.00% APY","unit":"cash","amount":0,"reqShort":"$1,000 minimum deposit, 12 transactions/mo","expiresOn":null,"status":"live","verifiedOn":"2026-08-02","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"If you close your account before interest is paid, you may not receive the accrued interest.","posts":"Interest will be calculated and posted on the last day of each month.","applyDomain":"consumerscu.org","applyUrl":"https://www.consumerscu.org/personal/banking/checking","summary":"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.","reqSteps":[],"finePrint":["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"],"apy":400,"apyTerm":"ongoing APY","listedOn":"2026-08-02","listedAt":"2026-08-02T13:11:22.596Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"consumerscu.org rate page","url":"https://www.consumerscu.org/personal/banking/checking","checkedOn":"2026-08-02"}],"needsVerification":false}