Effective: 09/04/2026
Active Interest Checking
Active Interest Checking pays…
When qualifications are met (1)
- An interest rate of 5.76% and an APY* of 6.00% will be paid on the portion of your daily balance that is less than or equal to $30,000
- Plus, refunds on ATM fees, nationwide**
- 0.03% APY* even if you don’t qualify
(1) Monthly Qualifications
Just do the following activities and transactions in your Active Interest Checking account each Monthly Qualification Cycle:
- Have at least 12 qualifying debit card purchases post and settle***
- Have at least 1 automatic payment ACH or bill pay
- Be enrolled in and receive electronic statements
Contact your local branch to open an Active Interest Checking account
Don’t worry if you come up short.
You can still earn a higher rate and refunds on ATM fees the very next cycle.
* APY= Annual Percentage Yield. Active Interest Checking is a variable rate consumer checking account and rates may change after account is opened at any time. When your Active Interest Checking account qualifications are met (see above) during a Monthly Qualification Cycle, (1) balances up to $30,000 receive APY of 6.00% and the portion of the balance over $30,000 earn 0.30% interest rate, resulting in a range from 6.00% to 0.98% APY depending on the account’s balance. When Active Interest Checking qualifications are not met, all balances in the account earn 0.03% APY and ATM fees will not be reimbursed. $50 minimum deposit to open the account. Fees may reduce earnings.
** ATM fee reimbursements: You will receive reimbursements up to $25 monthly ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you met your Active Interest Checking qualifications (see above).
*** Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle may not qualify. Transactions and activities may take one (1) or more Business Day(s) from the date the transaction or activity occurred to post and settle to the account. The following activities do not qualify: ATM-processed transactions and transfers between accounts. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction.
Active Cash Back Checking
Active Cash Back is a non-interest-bearing consumer checking account that pays:
- 6.00% cash back on debit card purchases*
- Plus, refunds on ATM fees, nationwide**
It’s ideal for people who use their debit card and ATM card often. Just do the following activities and transactions in your Active Cash Back account each Monthly Qualification Cycle:
- Have at least 12 qualifying debit card purchases post and settle***
- Have at least 1 automatic payment ACH, or bill pay
- Be enrolled in and receive electronic statements
Contact your local branch to open an Active Cash Back Checking account
Again, don’t worry if you come up short.
There’s no penalty. Plus, you can still earn your cash back and refunds on ATM fees the very next cycle.
* Reward Information: When your Active Cash Back account qualifications are met (see above) during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s): (1) Active Cash Back Checking 6.00% cash back on qualifying debit card purchases that post and settle to the account during that cycle period. A maximum of $18.00 cash back may be earned per Monthly Qualification Cycle.
** ATM fee reimbursements: You will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you met your Active Cash Back requirements (see above). When Active Cash Back qualifications are not met, no cash back payments are made, ATM fees are not refunded. Rewards are variable and may change after account is opened. $50 minimum deposit is required to open the account.
*** Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle may not qualify) Transactions and activities may take one (1) or more Business Day(s) from the date the transaction or activity occurred to post and settle to the account. The following activities do qualify: ATM-processed transactions and transfers between accounts. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction.
Active Savings
Once you open an Active Interest Checking or Active Cash Back Account, you can also open an Active Savings Account with as little as $5.00 dollars. Ask your branch representative for further details.
When qualifications (1) are met in your Active Interest Checking or Active Cash Back Account you will receive:
Tier 1: An Interest Rate of 2.92% and an Annual Percentage Yield 3.00% will be paid on the portion of your daily balance that is less than or equal to $300,000.00.
Tier 2: The portion of your balance above that cap ($300,000.01) will earn 0.30% interest rate resulting in a range from 3.00% to 1.93% APY depending on the account’s balance.
(1) Monthly Qualifications are activities and transactions in your Active Interest Checking or Active Cash Back Account checking account each Monthly Qualification Cycle:
- Have at least 12 qualifying debit card purchases post and settle***
- Have at least 1 automatic payment ACH or bill pay
- Be enrolled in and receive electronic statements
APY= Annual Percentage Yield. Active Savings is a variable rate consumer savings account and rates may change after account is opened at any time
When Active Checking qualifications are not met, an Active Savings interest rate of 0.03% and APY of 0.03% will be paid on the entire balance.
Fees may reduce earnings.
