# Pheple FCU Kasasa Checking: 5.00% APY

Canonical: https://dealaka.com/offers/pheple-fcu-kasasa-checking-rate

- Status: Limited reports
- Bonus: 5.00% APY
- APY: 5.00% (ongoing APY, conditional)
- Requirement: 5.00% APY up to $15k with monthly qualifications
- Expires: no published end date
- Availability: Nationwide
- Institution: Pheple FCU
- Verified: Aug 13, 2026 against pheplefcu.org
- Field reports: 0

## Summary
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.

## Requirements
1. Make 12 debit card purchases each month.
2. Receive one direct deposit or ACH withdrawal each month.
3. Enroll in e-statements.

## 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.

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

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