{"slug":"star-one-credit-union-rewards-checking-rate","category":"bank","institutionSlug":"star-one-credit-union","product":"Rewards Checking","title":"Star One Credit Union Rewards Checking: 3.45% APY","bonus":"3.45% APY","unit":"cash","amount":0,"reqShort":"10 card purchases, eStatements, $300 DD or $5K balance","expiresOn":null,"status":"live","verifiedOn":"2026-08-15","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"starone.org","applyUrl":"https://www.starone.org/bank/rewards-checking","summary":"Star One members earn 3.45% APY on their checking account when they complete three monthly requirements: make 10 debit or credit card purchases, enroll in eStatements, and receive a $300 direct deposit or maintain $5,000 in deposits or loans. If the requirements are not met in a month, the account reverts to standard checking features but can requalify the following month.","reqSteps":["Make 10 debit or credit card purchases monthly.","Enroll in eStatements.","Receive a direct deposit of at least $300 monthly or maintain $5,000 in deposits or loans."],"finePrint":["Card purchases must post within the same month as authorized to qualify for rewards checking eligibility the next month.","If monthly requirements are not met, account stays open with standard checking features and can requalify the next month.","Early direct deposit depends on the time of submission of the payment file from the payer; funds generally made available the day the file is received, up to 2 days earlier than scheduled date."],"apy":345,"apyTerm":"ongoing APY when qualifications met","listedOn":"2026-08-15","listedAt":"2026-08-15T13:06:29.974Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"starone.org rate page","url":"https://www.starone.org/bank/rewards-checking","checkedOn":"2026-08-15"}],"needsVerification":false}