{"slug":"wecu-spend-plus-rewards-checking-rate","category":"bank","institutionSlug":"wecu","product":"Spend Plus Rewards Checking","title":"WECU Spend Plus Rewards Checking: 8.00% APY","bonus":"8.00% APY","unit":"cash","amount":0,"reqShort":"$1 minimum, 8.00% APY on first $5,000","expiresOn":null,"status":"live","verifiedOn":"2026-08-05","reports":0,"openIssues":0,"states":["WA"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"Interest credited monthly for qualifying accounts","applyDomain":"wecu.com","applyUrl":"https://www.wecu.com/personal-banking/checking/","summary":"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.","reqSteps":[],"finePrint":["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"],"apy":800,"apyTerm":"ongoing APY on first $5,000","listedOn":"2026-08-05","listedAt":"2026-08-05T13:17:50.444Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"wecu.com rate page","url":"https://www.wecu.com/personal-banking/checking/","checkedOn":"2026-08-05"}],"needsVerification":false}