First Rewards Checking
Set up to really pay off.
Combine the freedom of a checking account with the earnings of an investment account to earn rewards on your checking account with First Rewards Checking. Earn 1.99% APY1 with no fees when qualifications are met.
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- No Minimum Balance Required
- Overdraft Options2
- .20% APR3 rate discount on Auto and Personal loans
1The APY (Annual Percentage Yield) for balances up to $10,000 will be 1.99% APY when the qualifications for the First Rewards Checking are met and .15% APY for balances over $10,000. Dividend rates and APY are subject to change monthly without notice. The calculation method used for calculating the APY is “Method B”. Method B blends the below cap interest rate with the above cap interest rate when determining your actual APY. As a result, your actual rate will vary, depending on the balance in the account and will be in the range of 1.99% APY - 0.15% APY. In any month where all qualifications are not met, a monthly fee of $4.95 will be assessed. Members will automatically qualify for the Rewards for the first month their account is open and will not incur the monthly fee of $4.95 in the first month.
2Overdraft Options are available on most FCCU consumer checking accounts being maintained in good standing and the member is 18 or older. Standard Overdraft Practices automatically come with most accounts. For debit and ATM transactions to be covered, you must Opt-in to Enhanced Overdraft Privilege. Overdraft Transfers are an option. Nominal fees may apply for the service selected.
3APR = Annual Percentage Rate.
4Qualification period begins the first day of each month and ends at the cut-off time of 10pm CST on the last business day of each month. Credit Union closed on Sundays and Holidays. Rates valid as of 3/4/2021