Disclaimer

*APY=Annual Percentage Yield. Minimum to open account is $0 for VIP Checking and $0 for VIP Saver. Annual Percentage Yield (APY) accurate as of 5/25/2019. VIP Checking rate tiers are as follows: 2.00% APY applies to balances of $0.01 - $25,000 and 1.00% APY applies to balances over $25,000 if monthly qualifications are met each monthly qualification cycle. 3.00% APY applies to balances of $0.01 - $25,000 and 1.00% APY applies to balances over $25,000 if monthly qualifications and VIP Plus qualifications are met each monthly qualification cycle. 0.15% APY applies to all balances if no qualifications are not met.

All balances will earn 1.00% APY - 3.00% APY if monthly qualifications and VIP Plus qualifications are met. The advertised VIP Checking APY is based on compounding dividends. When paired with VIP Saver, the dividends earned in VIP Checking are automatically transferred to Saver each statement cycle and do not compound. The actual dividends paid may be less than the advertised APY. The VIP Saver APYs may be less than the VIP Checking APYs.

VIP Saver rate tiers are as follows: 1.50 %APY applies to balances of $0.01 - $25,000 and 1.00% APY applies to balances over $25,000 if qualifications are met during monthly qualification cycle on VIP Checking. 0.15% APY applies to all balances if qualifications are not met on VIP Checking. All balances will earn 1.00% APY – 1.50% APY if qualifications are met on VIP Checking.

VIP Plus qualifications are based on loan and credit card balances on the last day of the qualification cycle, in addition to qualifying in our Standard VIP Checking account.

Qualifying transactions must post and clear VIP Checking during monthly qualification cycle. Transactions may take one or more banking days from transaction date to post to an account. Intra-bank transfers do not count as qualifying transactions. Rates may change after account is opened. Fees may reduce earnings. ATM Fee refunds (VIP Checking account only) up to $30 provided only if qualifications are met within monthly qualification cycle. Limit one account per individual. Membership required.

 


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