# WECU Spend Plus Rewards Checking: 8.00% APY

Canonical: https://dealaka.com/offers/wecu-spend-plus-rewards-checking-rate

- Status: Limited reports
- Bonus: 8.00% APY
- APY: 8.00% (ongoing APY on first $5,000)
- Requirement: $1 minimum, 8.00% APY on first $5,000
- Expires: no published end date
- Availability: WA (WA)
- Institution: WECU
- Verified: Aug 5, 2026 against wecu.com
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Spend Plus Rewards Checking.
2. Complete the requirement: $1 minimum, 8.00% APY on first $5,000.

## 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

## Sources
- wecu.com rate page <https://www.wecu.com/personal-banking/checking/> (checked Aug 5, 2026)

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