*4.00% interest rate (4.07% APY) on balances up to and including $20,000.00. 0.40% interest rate (0.40% APY) on balances over $20,000. Other requirements include an electronic monthly statement, 20 debit card purchases and a minimum of one deposit of at least $1,000 (or two deposits of at least $500) per monthly statement cycle. Interest is compounded monthly. $100 minimum opening deposit required. No monthly service charge. The Annual Percentage Yield (APY) is accurate as of 2/1/2023. As Rewards Checking is a variable interest-rate account, at our discretion, we may change the interest rate at any time.