{"slug":"pen-air-credit-union-high-yield-checking-rate","category":"bank","institutionSlug":"pen-air-credit-union","product":"High-Yield Checking","title":"Pen Air Credit Union High-Yield Checking: 5.05% APY","bonus":"5.05% APY","unit":"cash","amount":0,"reqShort":"Monthly ACH deposit $250+ & e-statements required","expiresOn":null,"status":"live","verifiedOn":"2026-08-13","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"penair.org","applyUrl":"https://www.penair.org/personal/checking","summary":"Pen Air's high-yield checking account pays up to 5.05% APY on daily balances of $10,000 or less when you meet the monthly qualification requirements. You must receive at least one ACH deposit of $250 in a single day and be enrolled in e-statements each qualification cycle. Balances over $10,000 earn 0% APY, and if you fail to meet the requirements, the entire balance earns 0% APY.","reqSteps":["Receive at least one single ACH deposit of $250.00 in one day.","Enroll in and receive e-statements."],"finePrint":["The qualification cycle is defined as a period beginning on the last day of the previous calendar month in which dividends are paid and ending on the 40th calendar day prior.","If you meet any of the minimum qualification requirements for your account during the qualification cycle, for balances $10,000.01 or more, a 0% APY will apply.","If your average daily balance is $10,000.01 or more, a blended rate may show on your periodic statement.","If you fail to meet any of the minimum qualification requirements during the qualification cycle, 0% APY applies to the entire balance.","One high-yield checking account is allowed per primary social security number.","If you close your high-yield checking account before accrued dividends are credited, you will not receive the accrued dividends.","Only available on personal accounts; business, trust, and other special accounts are not eligible.","Rates, terms, and conditions are subject to change without notice."],"apy":505,"apyTerm":"ongoing APY for balances up to $10,000","listedOn":"2026-08-13","listedAt":"2026-08-13T13:05:31.124Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"penair.org rate page","url":"https://www.penair.org/personal/checking","checkedOn":"2026-08-13"}],"needsVerification":false}