{"slug":"ornl-federal-credit-union-spending-plus-checking-rate","category":"bank","institutionSlug":"ornl-federal-credit-union","product":"Spending Plus Checking","title":"ORNL Federal Credit Union Spending Plus Checking: 3.25% APY","bonus":"3.25% APY","unit":"cash","amount":0,"reqShort":"$25 minimum, paid on up to $5,000 balance","expiresOn":null,"status":"live","verifiedOn":"2026-08-13","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"Dividends paid monthly.","applyDomain":"ornlfcu.com","applyUrl":"https://www.ornlfcu.com/personal/checking","summary":"ORNL Federal Credit Union's Spending Plus checking account earns 3.25% APY on balances up to $5,000, with no minimum balance requirement beyond the $25 initial deposit and no monthly fees. Dividends are paid monthly.","reqSteps":[],"finePrint":["APY paid on up to $5,000; balances above $5,000 earn a different rate","Limit one account per primary member"],"apy":325,"apyTerm":"ongoing APY","listedOn":"2026-08-13","listedAt":"2026-08-13T13:03:14.080Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"ornlfcu.com rate page","url":"https://www.ornlfcu.com/personal/checking","checkedOn":"2026-08-13"}],"needsVerification":false}