# ORNL Federal Credit Union Spending Plus Checking: 3.25% APY

Canonical: https://dealaka.com/offers/ornl-federal-credit-union-spending-plus-checking-rate

- Status: Limited reports
- Bonus: 3.25% APY
- APY: 3.25% (ongoing APY)
- Requirement: $25 minimum, paid on up to $5,000 balance
- Expires: no published end date
- Availability: Nationwide
- Institution: Ornl Federal Credit Union
- Verified: Aug 13, 2026 against ornlfcu.com
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Spending Plus Checking.
2. Complete the requirement: $25 minimum, paid on up to $5,000 balance.

## Fine print that matters
- APY paid on up to $5,000; balances above $5,000 earn a different rate
- Limit one account per primary member

## Sources
- ornlfcu.com rate page <https://www.ornlfcu.com/personal/checking> (checked Aug 13, 2026)

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