{"slug":"lookout-credit-union-ridgeline-rewards-checking-rate","category":"bank","institutionSlug":"lookout-credit-union","product":"Ridgeline Rewards Checking","title":"Lookout Credit Union Ridgeline Rewards Checking: 4.00% APY","bonus":"4.00% APY","unit":"cash","amount":0,"reqShort":"Balances up to $20,000, nationwide ATM refunds","expiresOn":null,"status":"live","verifiedOn":"2026-08-12","reports":0,"openIssues":0,"states":["ID"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"lookoutcu.com","applyUrl":"https://www.lookoutcu.com/checking/ridgeline-rewards.html","summary":"Earn 4.00% APY on account balances up to $20,000 with the Ridgeline Rewards checking account. Amounts above $20,000 earn a lower rate. The account also includes nationwide refunds on ATM withdrawal fees.","reqSteps":["Make at least 12 debit card purchases each month.","Receive at least one direct deposit or ACH credit transaction each month.","Enroll in and receive electronic statements."],"finePrint":["Without the monthly qualifications the rate is 0.05% APY."],"apy":400,"apyTerm":"ongoing APY on balances up to $20,000","listedOn":"2026-08-12","listedAt":"2026-08-12T13:03:42.192Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"lookoutcu.com rate page","url":"https://www.lookoutcu.com/checking/ridgeline-rewards.html","checkedOn":"2026-08-12"}],"needsVerification":false}