{"slug":"coosa-pines-federal-credit-union-flexible-rewards-checking-rate","category":"bank","institutionSlug":"coosa-pines-federal-credit-union","product":"Flexible Rewards Checking","title":"Coosa Pines FCU Flexible Rewards Checking: 3.00% APY","bonus":"3.00% APY","unit":"cash","amount":0,"reqShort":"No minimum balance, monthly qualification cycle","expiresOn":null,"status":"live","verifiedOn":"2026-08-09","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"If monthly qualifications are not met, no dividends are paid for that month.","posts":"Dividends credited on first business day of next month if qualifications met.","applyDomain":"coosapinesfcu.org","applyUrl":"https://www.coosapinesfcu.org/accounts/checking-accounts","summary":"Earn 3.00% APY on average daily balances under $20,000 if you meet monthly qualifications: 15 debit card purchases, 1 direct deposit, e-statements enrollment, and 2 ACH payments. Balances over $20,000 earn 0.10% APY. Rate may change monthly.","reqSteps":[],"finePrint":["Dividend rate of 3.00% APY paid only on portion of average daily balance less than $20,000.00","Dividend rate of 0.10% APY paid on balance exceeding $20,000.00","If qualifications are unmet in a given month, no dividends will be paid and no ATM fees will be refunded","Interest rate and APY may change monthly after account is opened","Fees may reduce earnings","Only one flexible rewards account per social security number","Available with personal accounts only"],"apy":300,"apyTerm":"ongoing APY on balance under $20,000","listedOn":"2026-08-09","listedAt":"2026-08-09T13:04:38.451Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"coosapinesfcu.org rate page","url":"https://www.coosapinesfcu.org/accounts/checking-accounts","checkedOn":"2026-08-09"}],"needsVerification":false}