{"slug":"dfcu-financial-cash-back-checking-rate","category":"bank","institutionSlug":"dfcu-financial","product":"Cash Back Checking","title":"DFCU Financial Cash Back Checking: 7.00% APY","bonus":"7.00% APY","unit":"cash","amount":0,"reqShort":"$20 minimum to open, $10,000 balance cap for 7% rate","expiresOn":null,"status":"live","verifiedOn":"2026-08-01","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"$5 monthly fee, waived with $5,000 average daily balance","posts":"Paid and compounded monthly","applyDomain":"dfcufinancial.com","applyUrl":"https://www.dfcufinancial.com/Checking","summary":"Earn 7.00% APY on the first $10,000 in your Cash Back Checking account by making 10 debit card purchases, enrolling in eDocuments, and setting up $500 in direct deposits each month. Balances over $10,000 earn 0.02% APY. This is not a promotional rate and continues as long as you meet the monthly requirements.","reqSteps":[],"finePrint":["APY = annual percentage yield, paid and compounded monthly","Fees could reduce account dividend earnings","Dividend rate may change after the account is opened","$20 minimum required to open a checking account","7.00% APY limited to first $10,000; balances over $10,000 earn 0.02% APY","Must meet three requirements each month: 10 debit card purchases, eDocuments enrollment, and $500 in direct deposits"],"apy":700,"apyTerm":"ongoing APY on first $10,000 with qualification","listedOn":"2026-08-01","listedAt":"2026-08-01T13:05:55.910Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"dfcufinancial.com rate page","url":"https://www.dfcufinancial.com/Checking","checkedOn":"2026-08-01"}],"needsVerification":false}