WECU's Spend Plus Rewards Checking earns 8.00% APY on balances up to $5,000 when you have 20 debit card transactions per month, enroll in e-statements, and receive direct deposit over $100 monthly. Balances over $5,000 and non-qualifying accounts earn 0.05% APY. The account has a $5 monthly fee waived with qualifying direct deposit.
Eligibility
Available in 1 states
WA
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the WECU Spend Plus Rewards Checking rate
- Apply through the offer page to open the Spend Plus Rewards Checking.
- Complete the requirement: $1 minimum, 8.00% APY on first $5,000.
The fine print that matters
- 8.00% APY on balances up to $5,000; 0.05% base APY plus additional 7.95% APY monthly for qualifying accounts with 20 debit card transactions, enrollment in e-statements, and direct deposit greater than $100 per month
- Non-qualifying accounts and balances over $5,000 will earn 0.05% APY
- Monthly fee is $5, waived with direct deposit greater than $100 per month
- Fees could reduce earnings
- APY accurate as of 09/12/2023
Verification and reports
Confirmed against wecu.com on Aug 5, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Report your result
Reviewed by a human before it publishes. We do not ask for your name or contact, and a published report never carries one.
Spot something new or wrong? Send a tip. Corrections ship and are credited in the changelog.
Sources: wecu.com rate page (checked Aug 5, 2026)
Other WECU offers, so you can compare
All WECU offers and reference →