{"slug":"sacramento-credit-union-free-rewards-checking-rate","category":"bank","institutionSlug":"sacramento-credit-union","product":"Free Rewards Checking","title":"Sacramento Credit Union Free Rewards Checking: 4.50% APY","bonus":"4.50% APY","unit":"cash","amount":0,"reqShort":"Monthly qualification requirements required","expiresOn":null,"status":"live","verifiedOn":"2026-08-14","reports":0,"openIssues":0,"states":["CA"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"Dividends are compounded and credited monthly.","applyDomain":"sacramentocu.org","applyUrl":"https://www.sacramentocu.org/","summary":"Sacramento Credit Union's Free Rewards Checking earns 4.50% APY on balances up to $25,000 when monthly qualification requirements are met. Balances over $25,000 earn 0.10% APY. The account has no monthly service fees and no minimum balance.","reqSteps":[],"finePrint":["4.50% apy applies to balances up to $25,000 when monthly qualification requirements are met","Balances over $25,000 earn 0.10% apy","Rates subject to change without notice","Fees may reduce earnings"],"apy":450,"apyTerm":"ongoing APY on balances up to $25,000","listedOn":"2026-08-14","listedAt":"2026-08-14T13:06:56.407Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"sacramentocu.org rate page","url":"https://www.sacramentocu.org/","checkedOn":"2026-08-14"}],"needsVerification":false}