Earn 5.00% APY on balances up to $15,000 when you complete monthly qualifications: 12 debit card purchases, one direct deposit or ACH withdrawal, and enrollment in e-statements. Balances over $15,000 earn 0.30% APY. If qualifications are not met, the rate drops to 0.05% APY.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Pheple FCU Kasasa Checking rate
- Make 12 debit card purchases each month.
- Receive one direct deposit or ACH withdrawal each month.
- Enroll in e-statements.
The fine print that matters
- Higher monthly earnings: 5.00% APY up to $15,000 balance
- 0.30% APY on balances over $15,000
- 0.05% APY if monthly qualifications unmet
- Without the monthly qualifications the rate is 0.05% APY.
Verification and reports
Confirmed against pheplefcu.org on Aug 13, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: pheplefcu.org rate page (checked Aug 13, 2026)
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