# Coosa Pines FCU Flexible Rewards Checking: 3.00% APY

Canonical: https://dealaka.com/offers/coosa-pines-federal-credit-union-flexible-rewards-checking-rate

- Status: Limited reports
- Bonus: 3.00% APY
- APY: 3.00% (ongoing APY on balance under $20,000)
- Requirement: No minimum balance, monthly qualification cycle
- Expires: no published end date
- Availability: Nationwide
- Institution: Coosa Pines Federal Credit Union
- Verified: Aug 9, 2026 against coosapinesfcu.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Flexible Rewards Checking.
2. Complete the requirement: No minimum balance, monthly qualification cycle.

## Fine print that matters
- 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

## Sources
- coosapinesfcu.org rate page <https://www.coosapinesfcu.org/accounts/checking-accounts> (checked Aug 9, 2026)

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