*Offers are exclusively for employees of Y-12 FCU Workplace Financial Wellness partners. Subject to change without notice. Insured by NCU

1. At the end of the 6th month after account opening, qualifications must be met to waive the $10 monthly fee and earn high yield dividends. See #3 for qualifications. 

2. At the end of the 6th month after account opening, qualifications must be met to continue receiving Loyalty Relationship Reward benefits. See y12fcu.org/loyalty-rewards for details. 

3. A minimum recurring Direct Deposit of $500 monthly must be posted to your new checking account two times within 90 days of account opening in order to be eligible for bonus. Once the 90-day account opening period has elapsed, eligible accounts will receive the $300 bonus on the last day of the month. Limit one per member. Current members with an existing checking account do not qualify. Checking account must be opened between 4/01/2023 and 12/31/2023 in order to be eligible for bonus. APY is Annual Percentage Yield. The APY for Everyday Checking, effective 4/01/2022, is 0.05%. The APY for High Yield Checking, effective 4/01/2022, is 2.50% for balances of $0 to $15,000; 0.05% for balances of $15,000.01 and above. Offer can expire anytime without prior notice. Additional exclusions apply. Rates subject to change without notice. Commercial and opportunity checking accounts are excluded from this offer. To learn more about High Yield Checking, visit y12fcu.org/high-yield-checking. 

4. Rate cannot go below floor rate of 3.99% APR. Mortgage, home equity, lines of credit, credit cards, and existing Y-12 FCU loans are excluded. Cannot be combined with other offers. Maximum interest rate is 18%. Rate pricing based on credit score, term, and age of collateral. Loans subject to credit approval. 

5. Rate bump is available for standard certificate offerings. Promotional rate certificates are excluded. Cannot be combined with other offers.