{"slug":"eastmill-federal-credit-union-elevate-checking-rate","category":"bank","institutionSlug":"eastmill-federal-credit-union","product":"Elevate Checking","title":"Eastmill Federal Credit Union Elevate Checking: 3.25% APY","bonus":"3.25% APY","unit":"cash","amount":0,"reqShort":"No minimum, qualify monthly: online login, e-statements","expiresOn":null,"status":"live","verifiedOn":"2026-08-09","reports":0,"openIssues":0,"states":["ME"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"Dividends credited at beginning of following monthly cycle if requirements met","applyDomain":"eastmillfcu.org","applyUrl":"https://www.eastmillfcu.org/accounts/checking","summary":"Elevate Checking earns 3.25% APY on balances up to $10,000 if you meet monthly requirements: log in to online banking, enroll in e-statements, receive at least one direct deposit, and complete 12 debit card transactions. Balances over $10,000 earn only 0.25% APY, and if you miss any requirement, the entire balance earns just 0.10% APY.","reqSteps":[],"finePrint":["Higher dividends earned only if all requirements met monthly","If any requirement not met, a lower dividend rate of 0.10% applies to entire account balance","Balances over $10,000 receive dividend of 0.25%"],"apy":325,"apyTerm":"ongoing APY on balances up to $10,000","listedOn":"2026-08-09","listedAt":"2026-08-09T13:03:52.104Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"eastmillfcu.org rate page","url":"https://www.eastmillfcu.org/accounts/checking","checkedOn":"2026-08-09"}],"needsVerification":false}