{"slug":"wheelhouse-credit-union-inspired-checking-rate","category":"bank","institutionSlug":"wheelhouse-credit-union","product":"Inspired Checking","title":"Wheelhouse Credit Union Inspired Checking: 3.00% APY","bonus":"3.00% APY","unit":"cash","amount":0,"reqShort":"20 debit card purchases monthly","expiresOn":null,"status":"live","verifiedOn":"2026-08-16","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"Account converts to Basic Checking if requirements not maintained","posts":"","applyDomain":"wheelhousecu.com","applyUrl":"https://www.wheelhousecu.com/checking-accounts","summary":"Earn 3.00% APY on Inspired Checking by making 20 qualifying debit card purchases each month. No minimum balance required. The rate is variable and may change after account opening.","reqSteps":["Make 20 qualifying debit card purchases using your Wheelhouse Visa debit card per calendar month."],"finePrint":["Variable rate account; APY may change after account opening","Fees could reduce earnings on the account","If monthly debit card purchase requirement not met, account converts to Basic Checking with different terms","Requires initial $10 minimum deposit, $450 monthly direct deposits, active digital banking registration, and e-statements enrollment"],"apy":300,"apyTerm":"ongoing variable APY","listedOn":"2026-08-16","listedAt":"2026-08-16T13:03:54.667Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"wheelhousecu.com rate page","url":"https://www.wheelhousecu.com/checking-accounts","checkedOn":"2026-08-16"}],"needsVerification":false}